I ran a NPV and IRR caluclation of Fundrise's expected returns for my $1,200 (assuming $100/ month contribution) over a 5 year horizon. The NPV was negative $1,898 and the IRR was 1.02%. A negative NPV means BAD DEAL.

And now I am hearing Fundrise is exercising some purported right to freeze redemption or withdrawals of units. That makes sense in general for investment REITs but not when the risk is so far from an adequate return for such a liquidity trap. Total crap. Someone please explain to me how democratization of real estate investing meaning a 1% loss (when factoring in a 2% annual inflation)? It doesn't make sense.

I will never put any money with this organization ever again. I would love to see what the management compensation is. While a 1% return is technically better than a money market fund or checking or savings account, this is a FAR CRY from democratization of real estate investing considering they refuse to return money to investors who figure out that they are getting ripped off after investing.